HomePennsylvaniaMonroe County
Monroe County, Pennsylvania: commercial real estate data.
Monroe County, Pennsylvania has a population of 167,515 across 608 square miles, down 1.1 percent since the 2020 census base. County output reached $9.56 bn in 2024, 3,527 establishments operate here, and the SBA record carries 110 7(a) approvals worth $61.4 m.
128 sourced county values · tier FULL · 12 sections
Monroe County
How many people live in Monroe County
- Population167,515
- Households61,212
- Average household size2.74
- Median household income$83,565
- Median age44.1
- Median gross rent$1,393 per month
- Median owner-occupied home value$267,600
- Home value to household income3.2 times
- Annual rent as a share of median income20.0 percent
- Adults 25 and over with a bachelor degree or higher27.4 percent
- Adults 25 and over with a graduate degree10.4 percent
- Adults 25 and over120,121
- Population under 1832,041
- Share under 1819.1 percent
- Population 65 and over32,781
- Share 65 and over19.6 percent
- Working age population, 18 to 64102,693
- Civilian labor force84,281
- Unemployment rate6.9 percent
- Labor force participation, adults 18 and over62.2 percent
- Rank by population among Pennsylvania counties20th of 67
- Rank by population among US county-equivalents411th
Monroe County is the 20th largest of 67 Pennsylvania counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 19.6 percent against 19.1 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Monroe County
Is Monroe County growing
- Population change since the 2020 census base-1.06 percent
- Census 2020 base population168,315
- Births, 20241,355
- Deaths, 20241,727
- Natural change, 2024-372
- Net domestic migration, 2024-75
- Net international migration, 2024398
- Total net migration, 2024323
- Cumulative net domestic migration, 2021 to 2024-1,090
- Rank by growth among US county-equivalents2210th
The county has lost 1.06 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Monroe County
Where people moving to Monroe County come from
- Tax returns filed by households arriving4,518
- People arriving, from those returns8,070
- Adjusted gross income arriving$327.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$72,535
- Largest single originMonroe County Non-migrants (64,058 households)
- Largest single destination (64,058 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Monroe County Non-migrants | 64,058 | 123,010 | $5.00 bn |
| Other flows - Different State | 923 | 1,595 | $58.9 m |
| Other flows - South | 449 | 759 | $26.0 m |
| Northampton County | 406 | 691 | $23.3 m |
| Kings County | 322 | 626 | $27.2 m |
| Queens County | 279 | 548 | $21.1 m |
| Bronx County | 252 | 535 | $15.7 m |
| Other flows - Northeast | 242 | 438 | $16.7 m |
The largest single source of arrivals is Monroe County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Monroe County
What the Monroe County economy runs on
- County GDP, 2024$9.56 bn
- County GDP, 2023$9.13 bn
- GDP change, 2023 to 20244.7 percent
- GDP change over five years30.2 percent
- Rank by GDP among Pennsylvania counties21st
- Rank by GDP among US county-equivalents459th
- GDP per resident$57,089
Output grew 4.7 percent in the latest year and 30.2 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Monroe County
Who employs people in Monroe County
- Covered employment, annual average56,939
- Establishments reporting3,684
- Average annual pay$53,536
- Average weekly wage$1,030
- Sector 72, employment10,265
- Sector 72, average annual pay$28,771
- Sector 62, employment9,235
- Sector 62, average annual pay$59,447
- Sector 44-45, employment8,454
- Sector 44-45, average annual pay$33,269
- Sector 31-33, employment4,949
- Sector 31-33, average annual pay$92,020
- Sector 48-49, employment3,048
- Sector 81, employment2,130
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 10,265 | 418 | $28,771 |
| Sector 62 | 9,235 | 415 | $59,447 |
| Sector 44-45 | 8,454 | 583 | $33,269 |
| Sector 31-33 | 4,949 | 124 | $92,020 |
| Sector 48-49 | 3,048 | 124 | $60,245 |
| Sector 81 | 2,130 | 350 | $38,435 |
| Sector 23 | 1,791 | 361 | $57,790 |
| Sector 56 | 1,675 | 198 | $43,260 |
The largest sector is the biggest private employer group at 10,265 jobs, 18.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Monroe County
What businesses operate in Monroe County
- Establishments, all industries3,527
- Employment at those establishments47,564
- Annual payroll$2.33 bn
- Establishments per 1,000 residents21.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Monroe County
What is being built in Monroe County
- Housing units authorised by permit, 2024278
- Declared construction value permitted$79.5 m
- Single family units authorised226
- Multifamily units authorised52
- Multifamily share of units18.7 percent
- Average declared value per unit$286,075
- Units authorised per 1,000 households4.5
Multifamily is 18.7 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Monroe County
How much SBA lending happens in Monroe County
- 7(a) approvals recorded110
- 7(a) gross approval dollars$61.4 m
- Average 7(a) approval$558,001
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,600,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,019
- Jobs per approval9.3
- Distinct 7(a) lenders active35
- Distinct industries receiving approvals66
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.8 percent
- Loans on real estate terms24
- Loans on working capital terms, 120 months or shorter85
- Franchise loans12
- Franchise share of approvals10.9 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (11)
- Most active lenderManufacturers and Traders Trust Company (12)
- 504 approvals recorded43
- 504 gross approval dollars$50.3 m
- Average 504 approval$1,169,256
- Median 504 approval$529,000
- Distinct CDCs active6
- 504 jobs per approval17.7
- 504 jobs per million dollars approved15.1
- Most active CDCNEPA Alliance Business Finance Corporation (21)
- 7(a) share of SBA approvals71.9 percent
- Combined SBA approval dollars$111.7 m
The average approval of $558,001 sits well above the median of $150,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 21.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Monroe County
Do SBA loans in Monroe County get paid back
- Loans with a final outcome recorded18
- Paid in full14
- Charged off4
- Charge off rate on resolved loans22.2 percent
- Status: Paid in full14
- Status: Cancelled17
- Status: Exempt from disclosure64
- Status: Charged off4
- Status: Committed, not yet disbursed11
Of the 18 loans that have reached a final outcome, 22.2 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Monroe County
Which parts of Monroe County get the lending
- Places in the county with recorded lending22
- STROUDSBURG, approvals37
- East Stroudsburg, approvals20
- Blakeslee, approvals6
- Tannersville, approvals5
- Mount Pocono, approvals5
- Canadensis, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| STROUDSBURG | 37 | $16,489,300 |
| East Stroudsburg | 20 | $13,271,400 |
| Blakeslee | 6 | $5,625,000 |
| Tannersville | 5 | $2,920,000 |
| Mount Pocono | 5 | $7,777,500 |
| Canadensis | 5 | $1,191,700 |
| TOBYHANNA | 5 | $956,000 |
| Pocono Lake | 4 | $619,200 |
STROUDSBURG accounts for 37 approvals against 20 in East Stroudsburg. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Monroe County
How big is Monroe County
- Land area608 sq mi
- Rank by land area among Pennsylvania counties36th of 67
- Width, east to west34.9 mi
- Height, north to south30.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land276
- Establishments per square mile5.80
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Monroe County
What hazards affect Monroe County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book20
- Of those, participating in the NFIP20
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Monroe County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Monroe County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population167,515
- Households61,212
- Average household size2.74
- Median household income$83,565
- Median age44.1
Common questions
Monroe County questions, answered from the record.
How many people live in Monroe County, Pennsylvania?
167,515, in 61,212 households, ranking 20th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Monroe County growing?
The population has fallen 1.06 percent since the 2020 census base. In 2024 there were 1,355 births against 1,727 deaths, with net migration of 323. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Monroe County?
$83,565. The median owner-occupied home is valued at $267,600, which is 3.2 times income, and median gross rent is $1,393 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Monroe County?
3,527 establishments, employing 47,564 people with an annual payroll of $2.33 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Monroe County?
Average annual pay is $53,536, or $1,030 a week, across 56,939 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Monroe County?
110 7(a) approvals totalling $61.4 m since FY2020, across 35 lenders, with a median approval of $150,000, plus 43 504 approvals worth $50.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Monroe County get paid back?
Of the 18 loans that have reached a final outcome, 14 were paid in full and 4 charged off, a charge off rate of 22.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Monroe County?
278 housing units were authorised by permit in 2024, with a declared construction value of $79.5 m. Multifamily was 18.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Monroe County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Monroe County come from?
The largest single origin is Monroe County Non-migrants, with 64,058 households. Arriving households report an average income of $72,535 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Monroe County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Monroe County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.